Commercial & Business Lending Basics for Support Personnel

Richard Hamm

Richard Hamm has been training bankers for 28 years, designing and delivering courses specializing in commercial lending and credit, including portfolio and risk management, commercial real estate (CRE) and appraisals, plus selling and negotiating skills, and director training. He also conducts eight senior lender forums on a periodic basis in multiple states and one series at the national level.

He is based in Huntsville, AL and has owned/operated Advantage Consulting & Training for 14 years, after a 22-year banking career including senior positions in lending and credit, plus president of a community bank through formation and acquisition of an existing bank. He has BS and MBA degrees from the University of Alabama.

Richard's Other Events

OnDemand

Lending is all about risk management. This seminar is designed to take the "mystery" out of the commercial lending process and the confusing terminology often used by lenders.

Support personnel have a key role and stake in the commercial and business lending process, and they can help to create a safe and sound loan portfolio. Many would say that support personnel are the backbone of a good leading team. This program takes the perspective of a non-lender, and what goes on during the process of analyzing and approving a loan, focusing on commercial and business loans.

Covered Topics

An overview of the key steps in the commercial and business lending process

The role of loan policy and typical content areas

The types of financial analyses conducted

Four keys to loan structuring, including the types of commercial loan facilities most frequently used, and various terminology

Loans as defined by financing length or term (loans, lines of credit, etc.)

Loans as defined by collateral (secured or unsecured)

Loans as defined by third party support (guaranteed or non-recourse)

Overview of how bankers establish a risk rating for commercial and business loans

Importance of ongoing loan monitoring after the loan is closed

The "Five Cs of Credit"

Who Should Attend?

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